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Key Takeaways

  • The average cost of auto insurance in Silver Spring is $1,472.
  • The cost of car insurance can vary depending on the insurer.
  • Depending on the city and the insurance company, Maryland's average cost of auto insurance varies.
  • In Silver Spring, MD, teens' car insurance premiums are normally significantly higher than in the rest of the state since they are frequently less cautious behind the wheel.
  • The following minimum levels of liability, uninsured and underinsured motorist coverage, and personal injury protection are mandatory for drivers in Maryland.

Car Insurance in Silver Spring

The average cost of automobile insurance in Maryland varies depending on the city and the insurance provider. Way.com examines the most recent insurance prices in Silver Spring, Maryland, to find you the most affordable quotes in the area.

How Much Does Car Insurance Cost in Silver Spring?

In Silver Spring, the average price of auto insurance is $1,472. Auto insurance is more expensive than Maryland's yearly auto insurance premium of $1,305, yet cheaper than the national average of $1557. Learn more about the vehicle insurance prices in Silver Spring that take your age, marital status, credit score, and other customary elements into account.

Silver Spring (annual average) Maryland (annual average) United States
$1484 $1317 $1557

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Silver Spring Auto Insurance Premiums by Company

Company Average Annual Premium
Progressive $1854
State Farm $1884
Travelers $1968
Nationwide $3144

Depending on the insurance company, auto insurance premiums can change. This difference is since each insurance company puts a slightly different weight on data like your driving record and credit score. Therefore, even though the following auto insurance providers typically offer the most affordable auto insurance premiums, it's always wise to compare prices.

Silver Spring Auto Insurance Premiums by Age Group

Age Group Average Annual Premium
Teens $4788
20s $1903
30s $1469
40s $1414
50s $1310
60s $1328
70s $1544

Since teenagers are usually regarded as being less responsible behind the wheel than the rest of the state, their car insurance rates are typically substantially higher in Silver Spring, MD. Conversely, if middle-aged drivers are considered safer by insurance providers, they are likely to pay reduced auto insurance costs.

Silver Spring Auto Insurance Premiums by Marital Status

Marital status Average Annual Premium
Single $1366
Married $970
Divorced $742
Widowed $706

Married policyholders will often pay a little less for auto insurance coverage. This difference frequently occurs because insurance providers give consumers with numerous vehicles covered by the same policy extra savings.

Married drivers typically pay less for car insurance than single drivers nationally. This difference also applies to Silver Spring, where the annual difference is about $33.

Silver Spring Auto Insurance Premiums by Gender

Gender Average Annual Premium
Male $1270
Female $1186

In general, women's auto insurance premiums are lower than those for men. The difference in Silver Spring's typical pricing comes to a total of around $7 per month. Male drivers in the area often pay $1270 yearly, while female drivers normally pay $1180.

Silver Spring Auto Insurance Premiums by Driving Record

Violation/ accident history Average Annual Premium
DUI $1821
Reckless driving $1845
Driving with an expired license $1930

Accidents, fines, and other traffic violations can cost you money. Remember that careful driving and maintaining a spotless driving record are prerequisites for low auto insurance premiums.

Silver Spring Auto Insurance Premiums by Zip code

Perhaps your zip code places you near a busy route with plenty of accidents, or you live where car theft is common—people living in areas with zip code 20910 pay $946.

Zip code Average Annual Premium
20904 $2083
20906 $2842
20910 $946

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How to Get Cheap Auto Insurance in Silver Spring, Maryland

Here are a few easy strategies to reduce the cost of Silver Spring auto insurance.

Compare quotes often

Yes, buying auto insurance doesn't have to be a one-and-done process. Instead, industry professionals advise comparing quotations from at least three businesses and looking for new prices every six months!

Look for specials

Finding discounts is the one insurance cost-cutting tip that involves some effort on your part. Although all insurance companies provide them, they are not all the same, and businesses frequently choose not to promote them directly.

Therefore, it is up to you to look for the greatest deals. Ask your insurance provider about the good driver discount, good student discount, and bundling savings by giving them a call.

Increase your deductible amount

If you have full coverage auto insurance, you can easily reduce your monthly expenses without compromising coverage by raising your deductible. In addition, raising your deductible will result in reduced regular payments, which is advantageous if you currently drive carefully to receive discounts.

There's no way to predict or prevent every collision, so ensure you have enough money if you need to pay the premiums in an accident.

Auto Insurance in Silver Spring: Minimum auto insurance requirements in Maryland

In Silver Spring, drivers must maintain:

Drivers in Maryland are required to have the following minimum levels of liability, uninsured and underinsured motorist coverage, and personal injury protection:

  • Liability for bodily injury: $30,000 per person
  • Liability for bodily injury: $60,000 per incident
  • Liability for property damage: $15,000 per incident

Be prepared for driving in Silver Spring

Take extra care around other drivers

Unfortunately, you are more likely to come across drunk drivers at these late-night hours while on the road. You must therefore drive much more defensively as a result. As you travel through the night, watch other drivers' odd conduct to be ready for anything.

Avoid traveling on roads with two lanes.

Two-lane highways are more hazardous at night because of the glare, higher speed limits, and frequently curved routes. Drive on this type of road at night with extra caution. If at all feasible, devise another path to avoid such a road.

Wear Any Eye Protection Required

Put on your prescription glasses or contacts if you have them when driving at night. People with poor eyesight are more susceptible to glare from other light sources and the headlights of oncoming vehicles. You can decrease the effect of glare by wearing your glasses.

Boost separation when slowing down

The best rule to follow when operating a vehicle at night is caution. Give yourself even more space between your car and other vehicles, so you have plenty of time to respond if the car in front of you stops abruptly. To compensate for your decreased sight, you should also slow down so that you have less time to respond to obstacles.

How to Get Cheap Auto Insurance in Silver Spring, Maryland

In Silver Spring, insurance premiums are higher than they are nationwide. Saving money on insurance is an excellent method to free up money in your budget, given the high cost of insurance and the high cost of living in general. Here are some quick and easy methods to reduce the cost of your Silver spring auto insurance.

  • Boost your credit score while saving money- A bad credit score can lead to a $280 annual cost hike. For further information, speak to your agent or business. Unfortunately, not all states use credit scores as a rating factor.
  • Follow the traffic rules- If you want to get Silver Spring inexpensive auto insurance, it pays to follow the rules.
  • Purchase cars with less expensive insurance- The type and model of the car you drive is one of the key factors affecting insurance costs.
  • Older vehicles shouldn't have optional coverage because dropping comprehensive and collision coverage can dramatically lower insurance prices.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQ

How much is car insurance Silver Spring?

The average cost of auto insurance in Silver Spring is $1,472.

What factors affect car insurance quotes in Silver Spring?

Your age, gender, car make, model, driving history, and, in some situations, your credit scores affect your policy's annual cost.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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